Tax & HMRC
Clear paths through HMRC investigations, penalties, and audits.
What happens if HMRC freezes my bank account?
HMRC has two ways to stop your cash: Civil debt collection (DRD) or Criminal investigation (AFO). Know which one you are facing and how to protect your living costs.
What happens if I don't respond to a letter from HMRC?
Ignoring HMRC is dangerous. They can 'determine' (guess) your tax bill and charge daily penalties for silence.
What happens if I'm reported to HMRC?
Being reported for tax evasion is stressful. HMRC's 'Connect' system will analyse your data. If you have undeclared income, telling them BEFORE they investigate reduces penalties significantly.
What happens if I don't file a Tax Return?
HMRC penalties are severe and automatic. A simple £100 fine can escalate to over £1,600 within 6 months due to daily penalties. Ignoring HMRC is the most expensive mistake you can make.
What happens if I don't declare income?
HMRC now uses the 'Connect' AI system to find undeclared income from eBay, Airbnb, and bank data. Penalties range from 0% (if you tell them first) to 100% + Prison (if they catch you).
What happens if I calculate tax but pay late?
Filing on time is good, but paying late still costs money. You face interest (BoE + 2.5%) plus a 5% surcharge if you are 30 days late. Another 5% hits at 6 months.